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Waterford Car Insurance Resources

Waterford, NY Car Insurance

Cars Insured in Waterford

^ There are an estimated 961 vehicles currently insured in Waterford. [1]

Car Insurance Rates in Waterford

^ From 2006 to 2010, New York cities had the 4th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Waterford

^ There are an estimated 62 uninsured motorists driving in Waterford. [3]

NY Car Insurance

Waterford Car Insurance

Car Insurance Liability Requirements in Waterford

  • Minimum Liability Limits in Waterford: 25/50/10 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.
    • Note: In addition, policyholders must have $50,000/$100,000 for wrongful death coverage.

Required Car Insurance Coverage in Waterford

Required Car Insurance Coverage in Waterford
  • Waterford Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Waterford

  • Insurer Verification of Auto Insurance in Waterford [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Waterford Car Insurance Facts, Estimates & Related Laws

Waterford Car Insurance Stats

Waterford Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Waterford
    • Based on historical and current data, 961 cars are currently insured in Waterford. [5]
    • New York cities collectively ranked 4th in the nation in auto insurance policies in 2011 with a total of 9,358,429. [1]
  • Uninsured Motorist Rate in Waterford
    • Based on historical and current data, Waterford has an estimated 62 uninsured drivers. [6]
    • New York cities collectively had the 49th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Waterford
    • New York cities collectively had the 4th highest auto insurance rates in the nation in 2010. [2]

Waterford Distracted Driving Laws


  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Waterford Automotive Laws

  • Minimum Driving Age in Waterford [9]
    • Waterford, NY minimum driving age: 16 years.
  • Driver's License Renewal Cycle in Waterford
    • Renewal cycle: 8 years [7]
  • Motorcycle Helmet Laws in Waterford
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Waterford
    • Safety belt laws have been in place since 1984 and apply to drivers/passengers 16+ years in front seat. [7]
    • Child restraint law in place for 3 and younger unless more than 40 pounds and are seated where there is no available lap/shoulder belt; 4 - 7 years unless they are seated where there is no available lap/shoulder belt. [7]

New York Car & Driver Facts

New York Auto Registrations

New York Car & Driver Facts
  • Auto Registrations in NY [8]
    • Registered Cars: 5,866,664
    • Registered Trucks: 4,169,695
    • Registered Motorcycles: 345,855
    • Total Registrations: 10,430,559
    • Rank: New York ranked 5th in the United States in total auto registrations in 2011.

New York Automotive Facts

  • Speed Limits in NY
    • Rural interstates: 65 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • New York Motor Fuel Consumption
    • New York cities collectively ranked 4th in the nation in total motor fuel consumption in 2011. [10]

New York Licensed Drivers

  • Licensed Drivers in NY [11]
    • Female Drivers: 5,438,554
    • Male Drivers: 5,772,229
    • Total Drivers: 11,210,783
    • Rank: 4th highest in the U.S.

Additional information about Waterford, NY

About Waterford

Waterford (New York) is a village with a population of 1,990 [12] that is located in Saratoga County.

NY Car Insurance

More about Waterford auto insurance

For more information about Waterford car insurance, or for additional resources regarding New York car insurance overall, visit the New York Department of Insurance.

Did you know?

Driving while talking on a hand-held cell phone is currently prohibited in in 11 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in NY